24 Years in Business 0161 962 7800Option 3

Uniquely Independent

3mc prides itself on its true independent status. Since 1996, 3mc has been arranging mortgages for all types of customers and property types. As an established national brokerage, we have formed lasting relationships with both mainstream and specialist lenders. Customer service is at the core of our values, we take time to understand each customers needs to provide the very best mortgage advice.


A wealth of experience

3mc has a wealth of experience when dealing with mortgage lending enquiries from all of our customers. This includes residential, buy to let, portfolio buy to let, bridging and commercial enquiries.


A better customer journey

Track all your cases with 3mc, from simple enquiries all the way through to completed applications in the 3mcView client portal. With 24/7 access allowing you to check the status of your case whenever you want and from wherever you are in the world.

What our customers say about us

  • Jason and team provided an excellent service from beginning to end and were always available for queries . Couldn’t ask for more and I have passed their contact onto others .

    Douglas Reid Avatar Douglas Reid
    August 4, 2023

    I have done a number of Mortgages over the past year and I cannot fault these guys. My personal exp is with Louise and Jason, they are both always attentive and even through the recent turmoil have helped me secure what i need. A big thank you to you both you are a credit to the business. Dave

    David Harvey Avatar David Harvey
    November 18, 2022

    my previous experience has been good with 3mc but in last transaction the service was substandard. There was no response from the representative and delay led to expiry of my initial application. So I had to put a new application resulting in delay of completion of purchase. This could potentially cause drop of sale. I think this was due to changeover of staff and last manager Kieran was good.

    Ansar Hayat Avatar Ansar Hayat
    June 21, 2023
  • We have used a number of mortgage brokers and none have been as quick to act and as helpful as 3mc. Karl was brilliant in finding us a great product and answering any queries about the product. Abby Bray was fantastic throughout the whole process! We felt completely supported and Abby went above and beyond in responding to our emails promptly and professionally. Even updating us on a Saturday! Thank you so much! We can’t wait to use you again!

    Abbie Stephens Avatar Abbie Stephens
    April 28, 2021

    3MC never cease to fail. They are unbeatable on price and service. This is not my first time using them, and definitely won't be the last. Special shout out to James & Mollie for all your support and assistance!

    Shifra Avatar Shifra
    April 2, 2022

    I have worked with both Doug and Jess on a number of mortgages of varying types. They have both been excellent in their communications with me; responding quickly and effectively. I would definitely use them again and would definitely recommend this firm.

    Deirdre Jackson Avatar Deirdre Jackson
    August 8, 2021
  • 3mc are so helpful, friendly, kind, and efficient. I would not hesitate to recommend them. I particularly dealt with Jason and Nicole, both of whom I found to be friendly, helpful voices at the end of the phone. What a relief to speak to people who know their job well and are good at it. Tasks were completed almost immediately. I would definitely come back to 3mc for my mortgage next time. I came to them through the NRLA, and found the price also to be good.

    charlotte beau Avatar charlotte beau
    July 27, 2023

    Great experience from start to finish. Very helpful, friendly staff, nothing was an issue and they were very patient with my requests and changing the mortgage requirements. I will definitely be using them again!

    Sez Avatar Sez
    March 21, 2022

    Highly recommend this company. Josh was amazing. Thank you

    Jane Gandy Avatar Jane Gandy
    January 5, 2022
  • A really amazing company. Firstly, they found me deals that other mortgage advisers said were not available. Secondly, they kept me updated every step of the way. Even when one or two issues came up, they were patient with answering my questions. I would highly recommend them and they will be my first call whenever I'm looking for a mortgage.

    Toyosi Awe Avatar Toyosi Awe
    November 25, 2022

    Sean has help me so much from start to finish, he has been ever do kind and patient with me and guided me through the entire process. He has been so professional and helpful, even answering any questions that I have had several times without any hesitation or annoyance. I would definitely recommend him and I will definitely be using him next time. Thank you from a very satisfied client.

    Edna Fearns Avatar Edna Fearns
    June 29, 2021

    The mortgage advisor from 3mc was very professional and helpful throughout. They were able to secure a very good deal for me and the process was very straightforward. I will not hesitate to use them again.

    james rooney Avatar james rooney
    July 5, 2023
  • Outstanding service and support. Jason and the team were honest, very supportive and absolutely definitely did the hard graft to help obtain what I needed. Will be the first person to call ( and the team ) For any further similar requirements. Super support. Thanks

    Shahid Hussain Avatar Shahid Hussain
    April 4, 2023

    3mc is very helpful for us in remortgage our property, especia'ly Mollie and Josh. They are very competitive and professional. We will use their services again. Thanks

    M C Avatar M C
    August 3, 2022

    You discover the true value of any service provider when the going gets tough. In my latest case (of many) with 3mc, we were seeking an urgent BTL remortgage but had severe problems getting our address records moved away from that property such that our credit reports would show we didn't live there any longer. Changes to the electoral register had been restricted for 2-3 months while local elections were held so our hands were completely tied. However, luckily, our good friend Stephen at 3mc first found another lender who might accept this unfortunate bottleneck and, second, escalated the case to their national head of lending, manging to successfully appeal their initial rejection. Fantastic! In contrast, we happened to also briefly try another broker (CLS Money) as a comparison point. Their service was so bad that they simply stopped returning our calls on the first sign of difficulty. If you want a broker you can trust to be on your side and to fight for you, look no further than 3mc. Highly recommended.

    Spencer Mildon Avatar Spencer Mildon
    June 29, 2023
  • Great service, friendly and efficient. Always helpful and would recommend to anyone! They gave us loads of advice when we were new to the buying market. Leigh and Louise helped us get our first mortgage during a stressful time with increased rates! They worked really hard to get us something affordable and we now own our first home! 10/10 service!

    Bethany Cox Avatar Bethany Cox
    March 22, 2023

    Excellent communication and service throughout the process and would recommend any mortgage brokers to use them for more complex cases. Top marks to Mollie in helping to get my case to completion.

    Justin Best Avatar Justin Best
    January 19, 2023

    As an NRLA* member, I used NRLA Mortgages for which 3MC is the broker, for three buy-to-let remortgages (Summer 2022) . They managed to get my offers quickly before the next interest rate hike. I found them to be excellent and would definitely use them again. (* NRLA= National Residential Landlords Association)

    Mary Scott Morgan Avatar Mary Scott Morgan
    September 22, 2022
  • I've used 3mc for three remortgages this year and am extremely impressed with their efficiency and overall service. I've received regular updates by text and email at key stages in the process and also by phone which is really nice. You can always get through and speak to the person dealing with your application and they clearly have good relationships with the mortgage providers given the speed with which my applications have been dealt with. In fact my main contact has been Louise on all the applications so the consistency is nice aswell. Looking forward to working with them again! Thanks!

    Darren Greenhalgh Avatar Darren Greenhalgh
    August 18, 2022

    Very good and professional service. Todd and Nicola were very good at ensuring everything happened when it should. They were even helpful with chasing the solicitors who were very slow.

    James Treasure Avatar James Treasure
    July 1, 2022

    We will never use them again. The only shining light there is Craig. He managed to get the one and only deal we will ever introduce to them over the line after 8 months of poor handling by them and the lender - Hampshire Trust Bank. We introduced 4 or 5 other deals to them, one of which got to the offer stage, and then the lender pulled out because they decided they don't like AirBnB investments even though they knew it was from the start. After the customer had paid fees including a valuation which was over £1k there was no recompense. The response time was extremely slow and often a week would go by with no update and when they did the lender would be blamed - not good enough. You represent the lender - get them in line. There were many overpromises and a total lack of care throughout the whole experience. Passed from person to person and no one would know what was going on - just reading from notes on the system. 3MC put the Brokering Industry to shame - you need to sort your act and fast.

    Rob Partridge Avatar Rob Partridge
    July 14, 2022
  • Superb service from Abby Bray & Doug - a very informative & collaborative approach. An exceptional experience - having arranged 3 mortgages in quick succession. Really willing to explain the finer details and options, plus diligent follow up. I couldn't recommend this company any higher.

    Nigel Eadie Avatar Nigel Eadie
    July 31, 2021

    Leigh and Mollie are absolutely amazing!!!!! They are always available and they don't give up even when there are issues, they find a way to solve it. I have taken out more than 10 mortgages from them and they are excellent each time. Leigh is a lovely unique broker, he's so good and friendly. I have used several brokers in the past, Leigh definitely comes on top. Thank you Leigh, I appreciate your work, you and Mollie go beyond the call of duty to make sure your clients gets the best!

    Fel T Avatar Fel T
    December 8, 2021

    Being a first time buyer, I really didn't have much of a clue when it came to mortgages, Kelly provided us with an exceptional service and explained the various processes whilst keeping us informed throughout. I would definitely recommend this business to anyone looking to take out or renew an existing policy. Outstanding service from a very happy customer 😀

    Lee Miller Avatar Lee Miller
    June 25, 2021
  • James and Mollie have worked on many of my mortgages and are always determined, communicative and incredibly helpful. I struggled with their online system somewhat so they found a way to submit everything manually which was a huge relief. I highly recommend 3MC

    Andy Avatar Andy
    May 7, 2022

    Given the rapidly rising rates of mid 2023, I really wanted to consider all my options carefully. Jess from 3MC put an enormous amount of work into finding a suitable mortgage and renewing the information she provided as the situation changed. Besides the obvious headline figures she was also able to identify all of the nuances from individual providers which made them either suitable or not for my needs. I simply wouldn't have been able to determine those details without the help of a broker and 3MC did a good job, never once sounding frustrated when I needed to change my mind to fit the evolving situation.

    Carl Avatar Carl
    September 2, 2023

    My recent dealings with Michelle, Leigh and Jess have been nothing short of exemplary. Having used various other brokers in recent years, I can confidently state that 3mc are head and shoulders above their competitors.  Not only are they efficient at responding to my queries, they are extremely approachable and have given me nothing but expert advise on every occasion, maintaining a level of professionalism that I have not witnessed previously in my many years dealing with mortgage brokers. I would not hesitate to recommend this company, and I will continue to use them for all my requirements.

    Carl Fitzpatrick Avatar Carl Fitzpatrick
    June 25, 2021